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Axis Bank Airtel vs SpiceJet Axis Bank Voyage Credit Card Compared

Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero. Data last verified: 11 October 2026.

Axis Bank Airtel Credit Card versus SpiceJet Axis Bank Voyage Credit Card compared
FeatureAxis Bank Airtel Credit CardAxis Bank Airtel Credit CardAxis Bank5 recent changes →
SpiceJet Axis Bank Voyage Credit CardSpiceJet Axis Bank Voyage Credit CardAxis Bank5 recent changes →
Rewards by spend
Rewards1% on most spends; 25% only at partner merchants0.75% base, up to 1.5% on dining; 4.5% only at partner merchants
UPI payments (scan and pay)sameEarns nothingEarns nothing
Online shopping1%0.75%
Dining and food delivery1%; 10% only at Zomato, District Movies1.5%
Groceries1%; 10% only at Blinkit0.75%
Travel: flights, hotels, trains1%0.75%; 4.5% only at SpiceJet
FuelsameEarns nothingEarns nothing
Bills and recharges1%; 25% only at Airtel Thanks app1.5%
RentEarns nothing0.75%
Insurance premiumsEarns nothing0.75%
School and college feesEarns nothing0.75%
Wallet top-upssameEarns nothingEarns nothing
Taxes and government paymentsEarns nothingNot stated
Spend abroad or in a foreign currency1%0.75%
Everything else1%0.75%
Streaming subscriptions-1.5%
Card identity
Card typeUtility billsTravel
NetworksameVisaVisa
Card tiersameMidMid
Fees
Joining fee₹500 + GST₹750 + GST
Annual fee₹500 + GST₹750 + GST
Fee waived at₹2,00,000-
Eligibility
Min agesame18 years18 years
Max agesame70 years70 years
Employment typesameBOTHBOTH
Rewards
Reward typeCashbackReward points
Point valuesame₹1₹1
Fuel surcharge
Fuel surcharge waiversameYesYes
Fuel waiver cap₹500₹400
Lounge access
Domestic lounge visitssame44
International lounge visits-0
Lounge condition-Spend Rs 50,000 in the previous quarter for domestic lounge access
Forex and international
Forex markupsame3.5%3.5%
Interest and charges
Interest rate (monthly)same3.75%3.75%
Interest rate (annual)same45%45%
Page content
Documents neededsamePAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photographPAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph
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Worth in Rupees at ₹20,000 a Month

Axis Bank Airtel Credit Card
Rewards a year
₹2,400
Fee a year
₹0
You keep
₹2,400
SpiceJet Axis Bank Voyage Credit Card
Rewards a year
₹2,256
Fee a year
- ₹885
You keep
₹1,371

At this spend, Axis Bank Airtel Credit Card comes out ₹1,029 a year ahead of SpiceJet Axis Bank Voyage Credit Card. Worked out from each card's published reward rate, caps and fee, on ₹20,000 a month. Your own spend changes the answer: try the rewards calculator.

Best For

Axis Bank Airtel Credit Card
  • Airtel mobile, broadband and DTH users
  • Households paying many utility bills
  • First-time card users
  • UPI payment users
SpiceJet Axis Bank Voyage Credit Card
  • Travel only at SpiceJet: 4.5% back
  • Dining: 1.5% back
  • Flyers: 4 airport lounge visits a year

Watch-Outs

Axis Bank Airtel Credit Card
  • Partner cashback has monthly caps
  • Best value only for Airtel users
  • 3.5% forex markup
  • Lounge visits are spend-linked
SpiceJet Axis Bank Voyage Credit Card
  • Skip it if you spend less than ₹10,000 a month: below that the ₹885 fee costs more than the rewards
  • Skip it if most of your spending is fuel or wallet top-ups: those earn nothing on this card
  • Skip it if you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
  • Skip it if you spend a lot on government payments: the card's terms do not state a rate there, so we count nothing

Card data sourced via CardAdvisor.in (Axis Bank Airtel Credit Card, SpiceJet Axis Bank Voyage Credit Card), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

Questions People Ask

Which has the lower annual fee, Axis Bank Airtel Credit Card or SpiceJet Axis Bank Voyage Credit Card?

Axis Bank Airtel Credit Card. Axis Bank Airtel Credit Card: ₹500; SpiceJet Axis Bank Voyage Credit Card: ₹750. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

Axis Bank Airtel Credit Card has the lowest forex markup. Axis Bank Airtel Credit Card: 3.5%; SpiceJet Axis Bank Voyage Credit Card: 3.5%. The markup is charged on every foreign-currency transaction, before GST.

Which earns more on everyday spending?

On spends outside any bonus category: Axis Bank Airtel Credit Card 1%, SpiceJet Axis Bank Voyage Credit Card 0.75%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.

Which gives airport lounge access?

Axis Bank Airtel Credit Card: 4 domestic lounge visits a year; SpiceJet Axis Bank Voyage Credit Card: 4 domestic lounge visits a year. Some cards need a minimum spend in the quarter before a visit counts, so check the lounge terms.

Can I hold more than one of these cards?

Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.

Work Out the Numbers

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